Apple Valley Insurance & Financial Services, Inc.

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/14845/rob%200013.jpg" alt="Apple Valley Insurance & Financial Services, Inc." height="200" width="149" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <br>215 S. State Street <br>Appleton, WI 54911 <br>Phone: (920) 739-1021, 1-800-947-1021 <br>FAX: (920) 739-1565 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:avifs@avifs.com"> avifs@avifs.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA10_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA10_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA10_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=702" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Portfolio Lifespan</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How Long Will Your Funds Last?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=133" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tax-Deferred Savings</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Compare the potential future value of tax-deferred investments to that of taxable investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=130" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Savings Goals</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much do you need to save each year to meet your long-term financial goals?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/A/TA10_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1419" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">What’s in It for You?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The Economic Stimulus Act of 2008 contained favorable provisions that will benefit small business. It appears that the government wants to inspire businesses to spend freely, too.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1359" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Take Advantage of Temporary Tax Laws</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A raft of favorable tax provisions are in effect right now, but you better act fast. Most of them are scheduled to expire within the next two years.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1294" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Diversify and Conquer</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If you dream of doing more in retirement than sipping lemonade in a rocking chair on the porch, you may want to consider the advantages of diversifying your portfolio.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1295" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Develop a Life Plan</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> An out-of-date estate conservation strategy is about as useful as none at all, but by updating your estate documents periodically, you can help protect the assets you wish to pass on to your heirs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/graphics/f06_priceless','movie','/graphics/f06_priceless','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); </script> <noscript> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="/graphics/f06_priceless.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/graphics/f06_priceless.swf" wmode="transparent" quality="high" width="215" height="130" /> </object> </noscript> </div> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA10_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA10_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>August 28, 2008 @ 01:01 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>11,502.51</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 89.64</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TRAN" target="mondo"><strong>Dow Jones Transportation</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 5,011.59</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 53.09</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$UTIL" target="mondo"><strong>Dow Jones Utilities</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 483.23</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 2.92</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,382.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 20.49</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NDX" target="mondo"><strong>Nasdaq 100</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,900.30</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 13.98</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,281.66</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 10.15</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$MID" target="mondo"><strong>S&P Mid-Cap 400</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 812.21</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 10.07</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SML" target="mondo"><strong>S&P Small-Cap 600</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 384.81</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 4.24</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 3.77</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 0.01</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$DWC" target="mondo"><strong>Wilshire 5000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>13,091.58</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 113.91</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA10_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA10_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA10_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA10_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA10_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/A/TA10_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA10_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA10_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr> <tr><td colspan="3" align="center"><br> <font face="Arial, Helvetica, sans-serif" size="-1"> <a href="privacy.cfm" onclick="javascript:infobox('privacy.cfm','600','400'); 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